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Ailien Phan, Crcm, Cams Email & Phone Number
Chief Compliance Officer and BSA Officer
at
Cardless
1 work email found
@avant.com
1 phone found area 415
LinkedIn matched
✓ Verified July 2026
4 data sources
Profile completeness 100%
Current company
Role
Chief Compliance Officer and BSA Officer
Location
San Francisco, California, United States
Who is Ailien Phan, Crcm, Cams? Overview
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Quick answer
Ailien Phan, Crcm, Cams is listed as Chief Compliance Officer and BSA Officer at Cardless, based in San Francisco, California, United States. AeroLeads shows a work email signal at avant.com, phone signal with area code 415, and a matched LinkedIn profile for Ailien Phan, Crcm, Cams.
Ailien Phan, Crcm, Cams previously worked as Chief Compliance Officer at Cardless and Chief Compliance Officer, Robinhood Money at Robinhood. Ailien Phan, Crcm, Cams holds Aba Intermediate Compliance School from American Bankers Association.
Company email context
Email format at Cardless
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*@avant.com
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AeroLeads found 1 current-domain work email signal for Ailien Phan, Crcm, Cams. Compare company email patterns before reaching out.
Profile bio
About Ailien Phan, Crcm, Cams
Pragmatic and seasoned compliance leader with over 20 years of experience spanning banking, consumer lending, commercial finance, fintech, payments, and risk management. Expert in building and scaling compliance management systems with a focus on automation and optimization. I bring a wealth of regulatory and operational expertise, complemented by a creative problem-solving approach. My strong interpersonal skills enable me to drive effective change through clear communication, collaboration, negotiation, influence, and relationship-building.Key areas of competencies include – Consumer protection laws: CAN-SPAM • Equal Credit Opportunity Act (ECOA, Reg. B) • Fair Credit Reporting Act (FCRA, Reg. V) • Fair Debt Collection Practices Act (FDCPA) • Truth in Lending Act (TILA, Reg. Z) • Dodd-Frank Act – Unfair, Deceptive, Acts and Abusive Practices (UDAAP) • Federal Trade Commission’s UDAP • Telephone Consumer Protection Act (TCPA) • E-Sign Act • Gramm-Leach-Bliley-Act (GLBA) • Electronic Funds Transfer Act (EFTA) • Right to Financial Privacy • Money Transmission State Laws Bank Secrecy Act (BSA)/Anti-Money Laundering (AML): Customer Identification Program (CIP) • Know Your Customer (KYC) • Customer Due Diligence (CDD) • Enhanced Due Diligence (EDD) • Office of Foreign Assets Control (OFAC) • Suspicious Activity Reporting (SAR) • Identity Theft Red Flags and Address Discrepancies Rule
Listed skills include Financial Risk, Banking, Operational Risk, Risk Management, and 18 others.
Current workplace
Ailien Phan, Crcm, Cams's current company
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12 roles
Ailien Phan, Crcm, Cams work experience
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Chief Compliance Officer
Chief Compliance Officer, Robinhood Money
Chief Compliance Officer for Robinhood Money (Payments and Consumer Lending)I oversaw the entity-level compliance function and program, including but not limited to: Product AdvisoryRisk and GovernanceInternal Audit and External Exam ManagementBank Partner Management Regulatory Affairs Money Transmission LicensesLender, Loan Broker, Servicing, and Collections LicensesCompliance Policies and ProceduresRegulatory Requirements InventoryChange Management (Tech & Product Changes)Compliance Risk Assessments, including BSA/AML Risk AssessmentsComplaint Handling ProgramCompliance Testing and Monitoring ProgramIssue Management and Corrective Action ProgramCompliance Training ProgramRisk & Operating Committee and Board Reporting
May 2023 - Feb 2024
Chief Compliance Officer / Bsa Officer
Jun 2022 - May 2023
Head Of Compliance Program Strategy And Operations / Bsa Officer
Apr 2021 - Jul 2022
Chief Compliance Officer And Bsa/Aml Officer
Dec 2019 - Apr 2021
Evp, Compliance & Bsa/Aml Officer
Oct 2018 - Dec 2019
Svp, Compliance
Lead the Compliance function from the ground up for Zero, an early fintech startup. Cultivating a compliance culture of ethics and accountability. Core responsibilities include: • Managed Partnership with Bank Sponsors • Developed and Maintained Compliance Policies and Procedures• Developed and Maintained Compliance Requirements Inventory• Lead Change Management Processes• Provided product and tech advisory• Developed and conducted Compliance Risk Assessments • Managed Complaint Handling Program • Managed Vendor Due Diligence Program • Developed and maintained oversight of Compliance Testing and Monitoring team • Managed escalation & Corrective Action Processes • Developed and facilitated annual and periodic Compliance Training • Developed Key Management and Board Reporting
Nov 2017 - Oct 2018
Director Of Compliance
Responsible for developing and maintaining the Compliance Management System; including - operationalizing compliance requirements, supporting product development, and providing regulatory compliance guidance to all aspects of the business.• Advised customer-facing groups and product initiatives • Scaled compliance team and trained compliance staff • Managed bank program and partnership relationship • Developed compliance monitoring and testing program• Developed and supported all aspects of the complaint handling process• Reviewed and provided guidance on marketing and customer-facing materials• Developed dispute handling process and controls• Developed fraud review and suspicious activity reporting (SAR) process• Developed SCRA claims processing• Developed OFAC monthly scrubbing process• Developed and managed all Investor KYC and Due Diligence reviews• Developed compliance policies, programs, and procedures
Dec 2016 - Nov 2017
Compliance Manager
Responsible for the effective implementation of the company's Compliance Program which consists of the following key elements: Compliance Policy Management; Compliance Training; Compliance Audits; Compliance Monitoring and Testing; Corrective Action and Remediation; Customer Complaints Management; New and Modified Product Review; Third Party Vendor Management; Marketing Review; Compliance Risk Identification and Gap Assessment. Managed the Bank Partner relationship as well as all external audits.
Sep 2015 - Dec 2016
Compliance Manager
Responsible for the Commercial Banking Group's Compliance Testing and Monitoring Team & Program. Supported the commercial lending business units of the Commercial Banking Group. Provided on-going regulatory guidance to the business. • Scaled compliance team and managed compliance testing activities (BSA, Fair Lending (ECOA), Anti-Tying, Flood) for the Commercial Banking Group• Developed and conducted a UDAAP risk assessment for all commercial bank products• Re-engineered the Reg. W tracking and reconciliation process for commercial bank related transactions • Develop SharePoint tool to track all customer complaints• Designed ownership drill-down guidance tool to help business units identify true beneficial ownership for complex legal entities.• Designed CIP/CDD/EDD Matrix to assist business units meet BSA regulatory requirements for different types of legal entities.• Developed procedures, letter templates (adverse action), disclosure notices, and checklists to aid internal business units to comply with new appraisal requirements under Reg. B as amended by the Dodd Frank Act.• Redesigned the OFAC screening process for the commercial lending units to ensure all required individuals and entities as part of a credit transaction is initially screened accurately and timely. • Incorporated system enhancements in front-end sales and prospecting tool to track all deal prospects for fair lending analysis and review. • Developed enhanced reporting tools to identify potential HMDA reportable transactions for the commercial lending units.
Jun 2011 - Sep 2015
Compliance Officer
Compliance Officer of SVBFG Corporate Compliance. Core responsibility include conducting monitoring and testing activities for bank and holding company activities. Conducting monitoring and testing involved creating new testing templates, identifying areas of potential risk, ensuring key objectives align with critical regulatory requirements, conducting meetings, and providing meaningful results to the business and management. Performed comprehensive monitoring and testing for key regulatory topics, such as: Foreign Corrupt Practices Act, Home Mortgage Disclosure Act (HMDA), Regulation D (Reserve Requirements), Regulation E (Electronic Funds Transfer), Regulation J (Collections of Checks), Regulation P (Privacy), Regulation Q (No interest on Demand Deposits), Regulation W (Affiliate Transactions), Regulation Y - Merchant Banking, Regulation AA (Customer Complaints), Regulation DD (Disclosures), and Regulation GG (Unlawful Gambling). Overall compliance experience includes enterprise-wide risk assessments; developing programs, policies, procedures; providing on-going regulatory and operational risk advice to line of businesses; conducting targeted training, supporting and collaborating on remediation plans, identifying compliance requirements and restrictions for new product and service initiatives; and supporting a strong culture of compliance.
Oct 2002 - Jun 2011
3 education records
Ailien Phan, Crcm, Cams education
Aba Intermediate Compliance School
American Bankers Association
Certified Regulatory Compliance Manager, Regulatory Compliance
Institute Of Certified Bankers
Bachelor Of Science - Bs, Business Administration And Accounting
California State University - East Bay
FAQ
Frequently asked questions about Ailien Phan, Crcm, Cams
Quick answers generated from the profile data available on this page.
What company does Ailien Phan, Crcm, Cams work for?
Ailien Phan, Crcm, Cams works for Cardless.
What is Ailien Phan, Crcm, Cams's role at Cardless?
Ailien Phan, Crcm, Cams is listed as Chief Compliance Officer and BSA Officer at Cardless.
What is Ailien Phan, Crcm, Cams's email address?
AeroLeads has found 1 work email signal at @avant.com for Ailien Phan, Crcm, Cams at Cardless.
What is Ailien Phan, Crcm, Cams's phone number?
AeroLeads has found 1 phone signal(s) with area code 415 for Ailien Phan, Crcm, Cams at Cardless.
Where is Ailien Phan, Crcm, Cams based?
Ailien Phan, Crcm, Cams is based in San Francisco, California, United States while working with Cardless.
What companies has Ailien Phan, Crcm, Cams worked for?
Ailien Phan, Crcm, Cams has worked for Cardless, Robinhood, Avant, Zero, and Upgrade, Inc..
How can I contact Ailien Phan, Crcm, Cams?
You can use AeroLeads to view verified contact signals for Ailien Phan, Crcm, Cams at Cardless, including work email, phone, and LinkedIn data when available.
What schools did Ailien Phan, Crcm, Cams attend?
Ailien Phan, Crcm, Cams holds Aba Intermediate Compliance School from American Bankers Association.
What skills is Ailien Phan, Crcm, Cams known for?
Ailien Phan, Crcm, Cams is listed with skills including Financial Risk, Banking, Operational Risk, Risk Management, Risk Assessment, Commercial Banking, Training, and Mortgage Lending.
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